Independent licensed insurance producer · NPN 20602398 · Appointed with 20+ A-rated carriers · No carrier-paid placements in any review.
OneAmerica Asset Care Hybrid Life + Long-Term Care Insurance
Independent, objective review of OneAmerica Asset Care — the only hybrid life + LTC policy offering LIFETIME UNLIMITED LTC benefits AND joint life issue. Issued by The State Life Insurance Company. Ho…
Lincoln MoneyGuard III Hybrid Life + Long-Term Care Insurance
Independent, objective review of Lincoln MoneyGuard III — the most popular brand-name hybrid life + LTC policy. 6-year LTC benefit (capped), 3-5% compound inflation, 70% return of premium, 0-day elimi…
Nationwide CareMatters II Hybrid Life + Long-Term Care
Independent objective review of Nationwide CareMatters II — the cash-indemnity hybrid LTC market leader. Cash benefits (no receipts), 2-7 year benefit periods, 3% or 5% compound inflation, single or j…
Securian SecureCare III Hybrid Life + Long-Term Care
Independent objective review of Securian SecureCare III — the budget-friendly hybrid LTC product. Reimbursement model, 2-7 year benefit periods, A+ Securian carrier, lower premium than Nationwide Care…
Pacific Life PremierCare Choice Hybrid LTC
Independent objective review of Pacific Life PremierCare Choice hybrid life + LTC. A+ AM Best, AA- S&P, top-tier mutual carrier. Compare to Lincoln MoneyGuard III + Nationwide CareMatters II + OneAmer…
Brighthouse SmartCare Hybrid LTC
Independent objective review of Brighthouse Financial SmartCare hybrid life + LTC. A AM Best, market-linked accumulation, MetLife-legacy carrier. Compare to Lincoln MoneyGuard III + Nationwide CareMat…
Mutual of Omaha MutualCare Secure Solution Traditional LTC
Independent objective review of Mutual of Omaha MutualCare Secure Solution — traditional standalone long-term care insurance. A+ AM Best, household brand, lower premium than hybrid LTC, use-it-or-lose…
What are your retirement dollars actually guaranteed to do?
Send your email and I'll send a plain-English read on what you're holding now, what it guarantees, and whether something safer pays more. No pitch — and if you're already in the right thing, I'll say so.
Email only — no phone needed, and I won’t call or text you unless you give me a number. Hans Goldstein · NPN 20602398.
Quoted a policy? Get a second opinion.
This is a big decision. Before you sign, talk to a licensed independent expert who isn't captive to any one carrier — and can show you what the brochure left out.
📞 Call Hans: 213-414-2808